Better Health: Smart Health Commentary Better Health (TM): smart health commentary

Article Comments

Disability Insurance And The Differences Between The Payment Types

I have now completed three weeks at my new job with the Disability Determination Services office.  I sort of knew there were two types of disability payments under SSI:  Title II and Title XVI.  Now I understand the differences much clearer.

I would urge everyone who can afford it to purchase disability insurance.  As the person training me put it, “If you are disabled, you are still ‘costing’ your family in addition to not contributing to the family income.”

The big difference between the two (II and XVI) is that anyone who has worked and paid taxes has in effect purchased disability insurance (Title II – DIB).  Title II is not based on your I & R (income and resources) as you are insured.  Title XVI individuals are the truly poor who must meet an I & R test.

Both Title II and Title XVI must meet the SSI definition of a disability to be eligible:  The individual must not be able to perform substantial gainful activity (SGA) due to a medically determinable impair (MDI) which can be substantiated by a medical consultant backed up by significant signs, symptoms, and laboratory data.  The MDI had to be one which is expected to result in death or which has lasted or will last 12 months.

The person training me is blind (due to RP).  Note he does not meet the able definition as he is working.  He is an amazing person who was a pediatrician prior to taking a job with DDS as his sight began to go.  He uses a program called JAWS to read to him at work, but types faster than I do.  He has the listings memorized.

This is his keyboard.  I can use it IF I don’t look at it.

*This blog post was originally published at Suture for a Living*


You may also like these posts

Read comments »


Comments are closed.

Return to article »

Latest Interviews

IDEA Labs: Medical Students Take The Lead In Healthcare Innovation

It’s no secret that doctors are disappointed with the way that the U.S. healthcare system is evolving. Most feel helpless about improving their work conditions or solving technical problems in patient care. Fortunately one young medical student was undeterred by the mountain of disappointment carried by his senior clinician mentors…

Read more »

How To Be A Successful Patient: Young Doctors Offer Some Advice

I am proud to be a part of the American Resident Project an initiative that promotes the writing of medical students residents and new physicians as they explore ideas for transforming American health care delivery. I recently had the opportunity to interview three of the writing fellows about how to…

Read more »

See all interviews »

Latest Cartoon

See all cartoons »

Latest Book Reviews

Book Review: Is Empathy Learned By Faking It Till It’s Real?

I m often asked to do book reviews on my blog and I rarely agree to them. This is because it takes me a long time to read a book and then if I don t enjoy it I figure the author would rather me remain silent than publish my…

Read more »

The Spirit Of The Place: Samuel Shem’s New Book May Depress You

When I was in medical school I read Samuel Shem s House Of God as a right of passage. At the time I found it to be a cynical yet eerily accurate portrayal of the underbelly of academic medicine. I gained comfort from its gallows humor and it made me…

Read more »

Eat To Save Your Life: Another Half-True Diet Book

I am hesitant to review diet books because they are so often a tangled mess of fact and fiction. Teasing out their truth from falsehood is about as exhausting as delousing a long-haired elementary school student. However after being approached by the authors’ PR agency with the promise of a…

Read more »

See all book reviews »